Why This Topic Matters in 2025
Getting paid in USD is common for freelancers, remote workers, and online business owners. But withdrawing those dollars in your local currency—UAH, PLN, EUR or others—can be tricky. With the wrong setup, you can lose 3–5% or more on exchange rates and hidden fees. This guide shows you how to get paid in USD and withdraw smartly in your local currency without bleeding money.
Step 1: Get a Platform That Accepts USD Payments
First, you need a platform or service where your client can send USD payments. The best options in 2025 include:
- Wise – Offers USD bank details with multi-currency balances
- Payoneer – Provides a virtual USD receiving account
- Mercury – US-based banking (ideal for LLCs)
- Revolut – Accepts USD payments with Business accounts
- PayPal – Still widely used, despite high fees
Step 2: Avoid Platforms with High Exchange Markups
Some services charge a markup of 3% or more on currency conversion. Here’s how the top platforms compare in 2025:
- Wise: ~0.5% exchange fee, real market rate
- Payoneer: ~2% above mid-market rate
- PayPal: ~3–4% above market rate
- Revolut: Interbank rate, limits on weekends
Step 3: Choose the Right Withdrawal Method
Once you’ve received USD, it’s time to withdraw. Here are your top options depending on your country:
Withdraw to Local Bank Account (UAH, PLN, etc.)
Most platforms let you convert and withdraw directly to your local currency bank account. Best practices:
- Use Wise or Payoneer for lowest conversion fees
- Avoid PayPal if margins are tight
- Withdraw in larger sums to minimize fixed fees
Withdraw to Local Card
Services like Payoneer and Binance allow card withdrawals in UAH, EUR, and PLN.
- Payoneer to card: 2% fee in most countries
- Crypto-to-card via USDT/UAH: high risk but fast
Use Local Currency Balances
Some platforms (like Wise or Revolut) allow you to hold balances in local currency and convert manually at the best time. This saves money and gives you more control.
Real Example: USD to UAH in 2025
Let’s say you receive $1,000 in USD:
- Wise: ~$995 arrives in UAH after fees
- Payoneer: ~$970–980 in UAH
- PayPal: ~$940–950 in UAH
That’s up to $50 difference on a single payment!
Pro Tips to Save More
- 🔁 Convert manually when rates are good
- 📆 Avoid weekend conversions (extra fees on some platforms)
- 🔍 Track live FX rates via platforms like XE.com or Wise
- 💡 Hold USD longer if your platform supports it (Wise, Revolut)
Conclusion
To get paid in USD and withdraw smartly in your local currency in 2025, choose platforms that offer transparent fees, fair exchange rates, and flexible withdrawal options. For most freelancers, Wise and Payoneer are top picks. Avoid losing money to hidden fees—because in freelancing, every dollar counts.
